Privacy Policy

1.1 Personal Information
When you interact with AFBR through our website, services, or in other ways, we may collect personal information, including but not limited to:

• Full name

• Contact information (email address, phone number, mailing address)

• Employment details (federal agency, role, service duration)

• Retirement and benefit information (when relevant to consultations)

• Information submitted via forms, emails, or live chat

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1.2 Non-Personal Information
We may collect non-personally identifiable information when you visit our website, including:

• Browser type and version

• Operating system

• Internet Protocol (IP) address

• Date and time of access

• Pages viewed and time spent on our site

• Referral URL (the website that led you to ours)

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1.3 Cookies and Tracking Technologies
Our website uses cookies and similar technologies to improve user experience and analyze website performance. These technologies may collect:

• Session data (e.g., login status)

• User preferences

• Usage trends and website analytics

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You can control cookies through your browser settings, but disabling them may affect website functionality.

We use the information we collect for various purposes, including:

• Service Delivery: To provide personalized federal benefit consultations and related services.

• Communication: To respond to your inquiries, schedule appointments, and provide customer support.

• Education and Resources: To share updates, newsletters, or webinars about federal benefits (if you opt-in).

• Website Improvement: To analyze usage patterns and enhance our website’s functionality and content.

• Compliance and Legal Obligations: To fulfill legal or regulatory requirements.

We do not sell, trade, or rent your personal information to third parties. We may share your information under the following circumstances:

• Service Providers: With trusted partners who assist in operating our business (e.g., hosting services, payment processors). These partners are bound by confidentiality agreements.

• Legal Requirements: If required by law, or to protect our legal rights, comply with a court order, or respond to a government request.

• Business Transfers: In connection with a merger, acquisition, or sale of all or part of our company’s assets.

We implement industry-standard security measures to protect your personal information. This includes:

• Secure servers and encryption protocols

• Access controls and authentication systems

• Regular security audits and vulnerability assessments

While we take these steps to safeguard your information, no method of transmission or storage is 100% secure. You use our services at your own risk.

You have certain rights regarding your personal information:

• Access and Correction: Request access to or correction of the personal data we hold about you.

• Deletion: Request deletion of your personal information, subject to legal or regulatory retention requirements.

• Opt-Out: Unsubscribe from marketing communications at any time by following the instructions in our emails or contacting us directly.

• Data Portability: Receive a copy of your data in a structured, machine-readable format.

To exercise these rights, please contact us at [info@apfedbenefits.com]. We may require verification of your identity before processing your request.

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these sites. We encourage you to review their privacy policies when visiting them.

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy or to comply with legal requirements. Once retention is no longer necessary, we securely delete or anonymize the data.

Our services are intended for adults, particularly federal employees. We do not knowingly collect personal information from children under 13. If we discover that we have inadvertently collected such information, we will delete it promptly.

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the revised policy on our website with a new "Last Updated" date.

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us at:

Appalachian Federal Benefit Resources
Email: Info@apfedbenefits.com
Phone: 681-220-4494